Ways I save money daily to have no bills!

My husband and I have always saved almost as much as we make, we knew one day we would want to retire and not worry about bills. So I found ways online to not only save money but be able to afford the extras that I want. First I started reviewing Amazon Products.

I receive free items to review so I can re-gift or keep if I like them! Second I use My Points to earn points and redeem them for gift cards!  Third, I love Fetch Rewards, you can scan in your receipts and earn points in return to cash them in for gift cards. It adds up quick!  Lastly I love Ibotta, I am not going to lie it took me a while to figure out how to do it, but after I did I realized I get free stuff! You click on the store you are going to shop then scan any item you are going to purchase. If there is a coupon or cash back after check out you scan the receipt and they will Paypal you the money instantly. Free food is always awesome!

Other ways I save is I have every kind of fruit tree you can think of. I always ask for a fruit tree for my birthday or Christmas to add to my collection!  We also have free ranging chickens so we eat free organic eggs daily! Lastly we love to go fishing, living close to the gulf we are able to have fresh fish all the time!  We love crabbing too. These are just a few ways I like to save money.

 

I would love to hear how you save money!

Easy Ways To Improve Your Home Energy Efficiency

Are you thinking about making improvements to your home this year? If so, then you have several options to consider. Indeed, it’s true to say that a lot of people will favor making aesthetic changes. However, it could be worth thinking about more practical choices. For instance, you might want to think about ensuring that your home is more efficient. The benefit of taking this step is that you will be able to save a lot more on your energy bill. This is going to help you in the long term and could even add significantly more value to your home. So, how can you do this? Well, there are a few possibilities to consider here. 

light bulbs

Pexels Source CCO License

 

Renewable 

 

Renewable energy is arguably one of the best options to consider and this is a particularly attractive possibility if you own your home. You will be able to install solar panels on the roof. You might think that this is an option that isn’t going to fit into the typical home budget. However, we’re delighted to say that this simply is not the case. Solar panels are more affordable than most people realize and the technology is accessible to anyone eager to go green. 

 

You can also get systems that will allow you to save energy. The benefit of taking this step is that you can use it at times when the sun is not providing many benefits in terms of energy. You can keep it for the time where it will benefit you the most. 

 

Repairs

 

Of course, another option to ensure that you do increase efficiency levels would be to make sure that you are making the right repairs. By focusing on key repairs, you will be able to make sure that your home is essentially providing the right advantages. For instance, if your AC is broken then it could be costing you a fortune to keep your home cool, particularly through the summer. With the right repair, you can avoid and indeed correct this issue. You can make sure that your AC repair restores the system to the right working order. You might also want to think about completing a full replacement for the same impact. 

 

Better Tech

 

Finally, a fun way to improve the efficiency of your property that is going to provide vast benefits in multiple ways would be changing the tech in your home. The latest tech is always going to be far more energy-efficient and thus will provide tremendous savings for you. Green friendly technology is on the market right now whether you need a new laptop, TV, or smart device. It might cost you more in the short term but in the long run, the right tech could save you an absolute fortune. 

 

We hope this helps you understand some of the best ways to ensure that your home is more efficient. Do this and you are sure to be able to gain more value from your property. Particularly when it’s time to sell.

Make The Most Of Your Home

It doesn’t matter if the home you have was in great condition when you bought it: to make it truly feel like your own home, you’re going to need to make it feel like yours. The good news is this part of the fun and you will take everything in your four walls and garden and make it completely your own.  To get the perfect home, you’re going to have to follow just a few simple steps, and here below we will have a look at what makes this the easiest way to go ahead:

couch

Photo: Pixabay

 

Have A Plan

 

Above all, it’s important that you go into the process of transforming your home with your very own plan. Ask yourself what you want you want your home to look like, how it should be themed. Each room should have its own style, but there should be a specific style to your home. Take a look at some of the best interior design blogs that are out there and wait for inspiration to strike. Then, see how you’ll incorporate your ideas into the shape, size, and style of your house.

 

Create A Budget

 

If we had millions in the bank it would be easy to create the perfect home but not many of us have that luxury but it doesn’t mean we have to settle. Figuring out a budget for your decor will let you understand what can be done and you can then keep track if something is over budget, or rejig ideas and plans and go down a different route if needs be. Whatever you decide to do, you’ll need to have some cash, so look at a loan or dip into the savings. 

 

Think Long Term

 

It’s easy to get carried away with what’s in style right now, but it’s also important to remember that you’ll want to live in this home for a long time and the future may come with design trend changes and you may not find it perfect in the years to come.  

 

Extra Attention To Key Areas

 

You won’t get everything about your home exactly right first time and you may need to look at some structural changes and changing up your room design to get the most out of your home. You may need to look at buying the equipment yourself, if the renovations are simple, but it may just be that you want to put up some new artwork, you may want to look at drywall screws and different types of hooks you may need.

 

Don’t Forget The Fun 

 

Finally, don’t forget to add the fun and enjoy what you’re doing as after all it is an exciting prospect! Having a home that looks great will be amazing, but in this modern age,  adding the fun factor will be important too. Look at including things like a surround system, cool reading nooks, or even a man cave or similarly entertaining room will make sure you’re never bored in your perfect home.

4 Important Lessons To Learn In Freelancing

When people think about the future of the business world, they often look to concepts like automation or potentially even machine learning. It’s true these are going to have a part of play in the business world of tomorrow. However, there’s another concept that is rapidly becoming key and that is the gig economy. If you don’t know what this is the gig economy is basically the collective term for freelancing. Rather than working on a permanent or long term contract for a business, you will instead work on your own terms. 

 

This does provide a lot of benefits. For instance, it’s a more flexible situation and it theoretically means that you can switch jobs whenever you want. You could also take on multiple positions as a way to boost your income. Some people will be able to work from home as freelancers while others will find it more beneficial to work in an environment like a hot desk. It largely depends on whether you can remain productive in a completely private environment. 

 

There are benefits for the employer too. They will be able to ensure that you are able to keep costs low and we’re going to explore why this is. Some reports suggest that the gig economy could cover 50% of the total workforce by 2025 in America. To be prepared for this change and the role that you might have, there are some lessons to learn here. So, let’s explore a few key considerations. 

Pexels CCO License

 

Employer Responsibility 

 

This isn’t quite the same as when you are working on a full-term contract. For instance, one of the key changes to keep in mind is based on your physical or emotional wellbeing. Let’s say that you are working for a business on a contract and you develop RSI. RSI is probably one of the most common injuries experienced by office workers today. It comes from working long hours without breaks, often in the wrong environment. 

 

You might be wondering whether you could take action against the business that hired you and the answer is it depends. If you are operating from home then you won’t have a leg to stand on here. They won’t have any real responsibility for your physical well being because you will have chosen your own environment. You can say that the contract required long hours without breaks. However, as a freelancer, you choose the contracts that you take on so this doesn’t really hold water. 

 

On the other hand, you might be working from their office. If that’s the case, then you might have a stronger case. A law firm like Alvine Weidenaar, LLP that specializes in personal injuries could be in the right position to help you out here. 

So basically, it depends on your unique set up how much responsibility your employer is going to hold. Usually, though one of the benefits of hiring freelancers is that business owners can avoid this particular headache for better or worse. 

 

Networking 

 

To succeed as a freelancer you need to know how to network effectively. Essentially, you will be your own personal agent operating for yourself to ensure that you are going to have the right strategy in place.

 

LinkedIn can be a great place to start here. While you won’t need all the social networks when networking, LinkedIn provides the clearest avenue to connect with individuals in the business world. It also ensures that you can rub shoulders with the right people. Be aware that there are also platforms specifically for freelancers to use. 

 

One of the issues to consider here is that they are highly competitive. You will often need to fight to rise above those who are seeking out the same clients and projects as you. You can also get into price wars where you will be up against those willing to work for a lot less than you can perhaps afford. This is certainly one of the rougher elements of freelancing that you will be forced to face. 

 

Slow Down 

Credit Pexels CCO License

 

You might think that being a freelancer isn’t going to provide you with that much stability. In a way, this isn’t the case. You may actually find you have more stability if you know how to approach this model the right way. However, there are certainly going to be challenges that you will face. 

 

For instance, you do need to consider the issue for the slow down. Just like with any business there are periods throughout the year where the demand for particular freelancers will rise and fall. For instance, writers are more in demand through the festive season when there are more marketing opportunities. Through January to March, the businesses tend to hold off spending as much money in this area. You need to be prepared for this and the budget to compensate for the change. 

 

In other words, you can’t afford to leave yourself in a position where you are struggling because you weren’t prepared for a downturn. 

 

Tax 

While employers are able to shift responsibilities as a freelancer you will have more to take on. One of the biggest responsibilities you will have is always going to be handling your own tax. Tax is something that stumps a lot of people and with freelancers, it’s a little more complicated. You’ll basically be operating as a little business. You will need to make sure that you are paying for your tax the right way. 

 

It’s important that you don’t make any mistakes here. Otherwise, you will be penalized and you’ll be forced to pay up. Complete your calculations carefully and consider using an accounting solution. You probably don’t want to shell out for a professional accountant and you don’t really need to. Instead, you will be able to make sure that you simply use a cloud service to keep track of your earnings in real-time. 

 

We hope this helps you navigate some of the challenges of being a freelancer that you may encounter when you are operating in this business model. It’s best to be prepared for the biggest changes here. 

Pexels CCO License

Reasons To Save For Retirement

Let’s face it none of us know exactly what the future holds, and we can guess all we like, but the best course of action is always to consider the worst, and hope for the best. If we prepare ourselves for some financially turbulent times, when we retire, then we are more likely to get through to the other side without much hardship. It’s easier said than done, with all of the bills and unexpected military problems that come up along the way, but consistently paying into a pension or Saving scheme is a fantastic idea.

Photo by JD Mason on Unsplash

 

Safe home

Having a safe home to live in, is, of course, everyone’s priority, and if you are a homeowner already, then ensuring that you have the funds to keep yourself in this home, is essential. Worrying about where you’re going to live, especially as an older person isn’t something that you should have to worry about. Considering nursing home bed sores and less than ideal living arrangements in homes that you don’t want to be in, Is an excellent motivation to saving enough money to keep you in your own home. Of course, we should all have friends and family that can help us along the way, but this isn’t always the case, and keeping our independence as we get older is essential for most.

 

Activities

Many say that when they retire, they want to carry on their activities and hobbies, and this is actually a fantastic idea. Retiring and then not staying active can be a recipe for disaster. If you were a golfer before retirement, then having the funds available to keep your season ticket at your local golf club, and your golf club is up-to-date and well maintained, it’s going to provide you with exercise and mental stimulation that is incredibly beneficial to a retired person. Getting out and about isn’t always easy, but it’s essential to make sure that you are active and entertained often. Because after all, you’ve worked hard all your life, you should be able to enjoy your retirement.

 

Transport

It’s all well and good being active and keeping up with your hobbies and interests, but unless a bus pass is going to get you to all of your activities, you’re going to need money to be able to pay for a car or some other mode of transport. Insurance and the maintenance of the vehicle can be expensive, as you know, but it’s much better to be fully independent if you are able. Some people decide That riding a bike or walking suits them, but It’s important to note that everyone is different, and if driving works for you and it’s safe, then it’s the best thing all round.

 

At the end of the day, enjoying your retirement should be the main priority, and making sure that you have the finances to be able to do this is, of course, the key to being happy. Unfortunately, it’s not always that easy, but if you are sensible throughout your younger years, you should find it much more comfortable.